Side-by-side · Q2 2026 data
HCN Bank vs Thinkwise Federal Credit Union
Credit union
Thinkwise Federal Credit Union
San Bernardino, California · $100 million – $1 billion
Metric by metric
| Measure | HCN Bank | Thinkwise Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 47 |
| Capital cushion | 67 (stronger) | 36 |
| Loan quality | 100 (stronger) | 51 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 27 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 75th | 4th |
| Total assets | $998.4M | $122.8M |
| Deposits / shares | $846.3M | $109.6M |
| Capital ratio | 11.70% (stronger) | 8.59% |
| Problem loans | 0.00% (stronger) | 1.48% |
| Net charge-offs | 0.00% (stronger) | 2.15% |
| Return on assets | 2.22% (stronger) | -0.63% |
| Loans ÷ deposits | 91.7% | 51.2% (stronger) |
| Uninsured deposits | 52.5% | 6.9% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
HCN Bank has the higher TellerScore (79 vs 47). On the 7 directional measures above (where higher or lower is clearly better), HCN Bank leads on 5 and Thinkwise Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.